:root{--navy:#0A2342;--navy-mid:#1A3A5C;--teal:#00788A;--teal-lt:#009BAF;--gold:#C8922A;--gold-lt:#E8B04A;--orange:#E8621A;--orange-hover:#F5742A;--cream:#F7F4EF;--white:#FFFFFF;--gray-lt:#F5F5F5;--gray:#6B7280;--text:#1C2B3A;--trust:#C04E10;}*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}html{scroll-behavior:smooth;}body{font-family:'Source Sans 3',sans-serif;color:var(--text);background:var(--white);line-height:1.7;font-size:17px;}h1,h2,h3,h4{font-family:'Playfair Display',serif;line-height:1.25;}a{color:inherit;text-decoration:none;}.topbar{background:var(--navy);color:var(--white);padding:0.6rem 1.5rem;display:flex;justify-content:space-between;align-items:center;font-size:0.9rem;letter-spacing:0.01em;}.topbar span{opacity:0.85;font-size:0.85rem;}.topbar a{color:#FFD080;font-weight:700;font-size:1.05rem;letter-spacing:0.02em;}nav{position:sticky;top:0;z-index:100;background:var(--white);border-bottom:4px solid var(--orange);display:flex;align-items:center;justify-content:space-between;padding:0.8rem 2rem;box-shadow:0 2px 12px rgba(0,0,0,0.08);}.nav-brand{display:flex;flex-direction:column;}.nav-brand .monogram{width:44px;height:44px;background:var(--teal);border-radius:6px;display:flex;align-items:center;justify-content:center;font-family:'Playfair Display',serif;font-weight:700;font-size:1.3rem;color:var(--white);letter-spacing:-1px;margin-right:0.75rem;}.nav-brand-wrap{display:flex;align-items:center;}.nav-brand-text{display:flex;flex-direction:column;line-height:1.2;}.nav-brand-text .name{font-family:'Playfair Display',serif;font-size:1.05rem;font-weight:700;color:var(--navy);}.nav-brand-text .sub{font-size:0.7rem;color:var(--teal);text-transform:uppercase;letter-spacing:0.1em;font-weight:600;}.nav-cta{display:flex;align-items:center;gap:1rem;}.nav-cta .phone{display:flex;flex-direction:column;align-items:flex-end;line-height:1.2;font-size:1.1rem;font-weight:700;color:var(--orange);}.nav-cta .phone a{color:var(--navy);}.nav-cta .phone span{font-size:0.65rem;color:var(--gray);font-weight:400;text-transform:uppercase;letter-spacing:0.06em;}.btn-primary{background:var(--orange);color:var(--white);padding:0.9rem 1.8rem;border-radius:8px;font-weight:700;font-size:1rem;letter-spacing:0.02em;transition:background 0.15s,transform 0.1s,box-shadow 0.15s;border:none;cursor:pointer;text-transform:none;box-shadow:0 4px 14px rgba(243,115,36,0.4);}.btn-primary:hover{background:var(--orange-hover);color:var(--white);transform:translateY(-1px);box-shadow:0 6px 20px rgba(196,90,14,0.5);}.btn-secondary{background:var(--orange);color:var(--white);padding:0.9rem 1.8rem;border-radius:8px;font-weight:700;font-size:1rem;letter-spacing:0.02em;transition:background 0.15s,transform 0.1s,box-shadow 0.15s;border:none;cursor:pointer;text-transform:none;box-shadow:0 4px 14px rgba(243,115,36,0.4);}.btn-secondary:hover{background:var(--orange-hover);transform:translateY(-1px);box-shadow:0 6px 20px rgba(196,90,14,0.5);}.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-mid) 55%,#1e4a6e 100%);color:var(--white);padding:5rem 2rem 4rem;position:relative;overflow:hidden;}.hero-inner{max-width:1100px;margin:0 auto;display:grid;grid-template-columns:1fr 400px;gap:3rem;align-items:start;}.hero-left{}.hero-badge{display:inline-block;background:rgba(200,146,42,0.25);border:1px solid var(--gold);color:var(--gold-lt);padding:0.3rem 0.85rem;border-radius:20px;font-size:0.75rem;text-transform:uppercase;letter-spacing:0.12em;font-weight:600;margin-bottom:1.2rem;}.hero h1{font-size:clamp(2rem,4vw,3.1rem);font-weight:700;line-height:1.15;margin-bottom:1.2rem;color:var(--white);}.hero h1 em{color:var(--teal-lt);font-style:normal;}.hero-sub{font-size:1.1rem;opacity:0.88;margin-bottom:1.8rem;max-width:520px;line-height:1.65;}.hero-bullets{list-style:none;margin-bottom:2rem;}.hero-bullets li{padding:0.3rem 0;display:flex;align-items:center;gap:0.65rem;font-size:1rem;opacity:0.92;}.hero-bullets li::before{content:'\2713';color:#FFB060;font-weight:700;font-size:1.2rem;flex-shrink:0;}.hero-stats{display:flex;gap:2.5rem;margin-bottom:2.2rem;}.stat{display:flex;flex-direction:column;}.stat-num{font-family:'Playfair Display',serif;font-size:2.4rem;font-weight:700;color:var(--gold-lt);line-height:1;}.stat-label{font-size:0.72rem;text-transform:uppercase;letter-spacing:0.09em;opacity:0.7;margin-top:0.2rem;}.hero-phone-cta{display:inline-flex;align-items:center;gap:0.8rem;background:var(--orange);color:var(--white);padding:1.2rem 2.4rem;border-radius:8px;font-weight:700;font-size:1.2rem;transition:background 0.15s,transform 0.15s,box-shadow 0.15s;letter-spacing:0.01em;box-shadow:0 5px 20px rgba(243,115,36,0.5);}.hero-phone-cta:hover{background:var(--orange-hover);color:var(--white);transform:translateY(-2px);box-shadow:0 8px 24px rgba(196,90,14,0.55);}.hero-phone-cta .phone-icon{font-size:1.2rem;}.form-card{background:var(--white);border-radius:12px;padding:2rem 1.8rem;box-shadow:0 8px 40px rgba(0,0,0,0.3);border-top:5px solid var(--orange);}.form-card h3{font-family:'Playfair Display',serif;font-size:1.25rem;color:var(--navy);margin-bottom:0.3rem;}.form-card p{font-size:0.82rem;color:var(--gray);margin-bottom:1.2rem;}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:0.75rem;}.form-group{display:flex;flex-direction:column;margin-bottom:0.75rem;}.form-group label{font-size:0.88rem;font-weight:700;color:var(--navy);text-transform:uppercase;letter-spacing:0.04em;margin-bottom:0.4rem;}.form-group{min-width:0;}.form-group input,.form-group select,.form-group textarea{width:100%;min-width:0;border:2px solid #D1D5DB;border-radius:6px;padding:0.75rem 1rem;font-size:1rem;font-family:'Source Sans 3',sans-serif;color:var(--text);background:var(--white);transition:border-color 0.2s;outline:none;}.form-group input:focus,.form-group select:focus,.form-group textarea:focus{border-color:var(--orange);background:var(--white);box-shadow:0 0 0 3px rgba(232,98,26,0.18);}.form-group textarea{resize:vertical;min-height:70px;}.form-submit{width:100%;background:var(--orange);color:var(--white);border:none;padding:1.15rem;border-radius:8px;font-weight:700;font-size:1.1rem;cursor:pointer;letter-spacing:0.01em;text-transform:none;transition:background 0.15s,transform 0.1s;margin-top:0.6rem;box-shadow:0 4px 14px rgba(243,115,36,0.4);}.form-submit:hover{background:var(--orange-hover);transform:translateY(-1px);box-shadow:0 6px 20px rgba(196,90,14,0.5);}.form-note{text-align:center;font-size:0.75rem;color:var(--gray);margin-top:0.7rem;}.form-avg{display:flex;flex-direction:column;align-items:center;margin:0.8rem 0;}.form-avg .avg-num{font-family:'Playfair Display',serif;font-size:1.3rem;font-weight:700;color:var(--teal);}.form-avg .avg-lbl{font-size:0.73rem;color:var(--gray);}.or-divider{text-align:center;color:var(--gray);font-size:0.8rem;margin:0.5rem 0;}.form-phone-link{display:block;text-align:center;color:var(--navy);font-weight:700;font-size:1.05rem;margin-bottom:0.4rem;}.badges-bar{background:#F0F4F8;border-top:1px solid #E5DDD0;border-bottom:1px solid #E5DDD0;padding:1.4rem 2rem;}.badges-inner{max-width:1100px;margin:0 auto;display:flex;align-items:center;justify-content:center;gap:1.5rem;flex-wrap:wrap;}.badge-pill{background:var(--white);border:1px solid #D1C9BC;border-radius:5px;padding:0.45rem 1rem;font-size:0.72rem;font-weight:600;color:var(--navy-mid);text-transform:uppercase;letter-spacing:0.07em;white-space:nowrap;}section{padding:5rem 2rem;}.section-inner{max-width:1100px;margin:0 auto;}.section-label{font-size:0.72rem;text-transform:uppercase;letter-spacing:0.15em;color:var(--orange);font-weight:700;margin-bottom:0.6rem;}.section-title{font-family:'Playfair Display',serif;font-size:clamp(1.8rem,3vw,2.6rem);color:var(--navy);margin-bottom:1.2rem;}.section-intro{font-size:1.05rem;color:var(--gray);max-width:650px;line-height:1.7;margin-bottom:2.5rem;}.bio-section{background:var(--white);}.bio-grid{display:grid;grid-template-columns:340px 1fr;gap:4rem;align-items:start;}.bio-photo{position:relative;min-width:0;}.bio-content{min-width:0;}.bio-photo-frame{width:100%;aspect-ratio:4/5;background:linear-gradient(160deg,var(--navy) 0%,var(--teal) 100%);border-radius:10px;display:flex;align-items:center;justify-content:center;color:rgba(255,255,255,0.25);font-size:5rem;font-family:'Playfair Display',serif;font-weight:700;letter-spacing:-2px;position:relative;overflow:hidden;}.bio-photo-frame::after{content:'';position:absolute;bottom:0;left:0;right:0;height:40%;background:linear-gradient(to top,rgba(0,0,0,0.35),transparent);}.bio-photo-name{position:absolute;bottom:1rem;left:1rem;right:1rem;color:var(--white);z-index:1;font-family:'Playfair Display',serif;font-size:1.2rem;font-weight:700;}.bio-photo-name span{display:block;font-family:'Source Sans 3',sans-serif;font-size:0.75rem;font-weight:400;opacity:0.8;margin-top:0.1rem;}.bio-stats-row{display:grid;grid-template-columns:1fr 1fr 1fr;gap:1rem;margin-top:1.2rem;}.bio-stat{background:var(--navy);color:var(--white);border-radius:8px;padding:1.1rem;text-align:center;border-bottom:3px solid var(--orange);}.bio-stat .num{font-family:'Playfair Display',serif;font-size:1.5rem;font-weight:700;color:var(--gold-lt);display:block;}.bio-stat .lbl{font-size:0.65rem;text-transform:uppercase;letter-spacing:0.07em;opacity:0.7;margin-top:0.15rem;}.bio-content .section-title{margin-bottom:0.8rem;}.bio-content p{color:#374151;line-height:1.7;margin-bottom:1rem;font-size:1rem;}.bio-quote{border-left:5px solid var(--orange);padding:1rem 1.5rem;background:var(--gray-lt);border-radius:0 8px 8px 0;margin:1.5rem 0;font-style:italic;font-size:1.05rem;color:var(--navy-mid);line-height:1.65;}.bio-quote cite{display:block;font-style:normal;font-size:0.82rem;color:var(--gray);margin-top:0.6rem;font-weight:600;}.results-section{background:var(--navy);color:var(--white);}.results-section .section-title{color:var(--white);}.results-section .section-label{color:var(--teal-lt);}.trust-banner{background:rgba(200,146,42,0.15);border:1px solid var(--gold);border-radius:8px;padding:1rem 1.5rem;margin-bottom:2.5rem;display:flex;align-items:center;gap:1rem;}.trust-banner .trust-num{font-family:'Playfair Display',serif;font-size:2rem;font-weight:700;color:var(--gold-lt);white-space:nowrap;}.trust-banner p{font-size:0.9rem;opacity:0.85;line-height:1.5;}.results-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.2rem;}.result-card{background:rgba(255,255,255,0.07);border:1px solid rgba(255,255,255,0.12);border-radius:10px;padding:1.5rem;transition:background 0.2s;}.result-card:hover{background:rgba(255,255,255,0.11);}.result-card .amount{font-family:'Playfair Display',serif;font-size:2rem;font-weight:700;color:var(--gold-lt);}.result-card .type{font-size:0.7rem;text-transform:uppercase;letter-spacing:0.1em;color:var(--teal-lt);margin-bottom:0.8rem;margin-top:0.2rem;font-weight:600;}.result-card .desc{font-size:0.85rem;opacity:0.78;line-height:1.5;}.results-disclaimer{margin-top:1.5rem;font-size:0.73rem;opacity:0.68;font-style:italic;}.results-cta-wrap{margin-top:2rem;}.help-section{background:var(--cream);}.steps-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1.5rem;}.step-card{background:var(--white);border-radius:10px;padding:2rem;display:flex;gap:1.2rem;align-items:flex-start;box-shadow:0 2px 12px rgba(0,0,0,0.06);}.step-num{width:48px;height:48px;background:var(--orange);border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--white);font-family:'Playfair Display',serif;font-size:1.3rem;font-weight:700;flex-shrink:0;}.step-body h3{font-size:1.1rem;color:var(--navy);margin-bottom:0.5rem;}.step-body p{font-size:0.9rem;color:#4B5563;line-height:1.7;}.veterans-callout{margin-top:2rem;background:var(--navy);color:var(--white);border-radius:10px;padding:2rem;display:flex;justify-content:space-between;align-items:center;gap:2rem;}.veterans-callout h3{font-size:1.3rem;color:var(--gold-lt);margin-bottom:0.5rem;}.veterans-callout p{font-size:0.9rem;opacity:0.85;max-width:550px;line-height:1.6;}.exposure-section{background:var(--white);}.exposure-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem;}.exposure-card{border-top:4px solid var(--orange);padding:1.8rem 1.5rem;background:var(--gray-lt);border-radius:0 0 8px 8px;}.exposure-card h3{font-size:1.05rem;color:var(--navy);margin-bottom:0.6rem;}.exposure-card p{font-size:0.88rem;color:#4B5563;line-height:1.7;}.exposure-icon{font-size:2rem;margin-bottom:0.8rem;}.contact-section{background:var(--navy);color:var(--white);}.contact-section .section-title{color:var(--white);}.contact-section .section-label{color:var(--teal-lt);}.contact-grid{display:grid;grid-template-columns:1fr 460px;gap:4rem;align-items:start;}.contact-left .phone-big{font-family:'Playfair Display',serif;font-size:2.2rem;color:var(--orange);margin:1rem 0 0.4rem;display:block;}.contact-left .avail{font-size:0.8rem;opacity:0.6;text-transform:uppercase;letter-spacing:0.08em;margin-bottom:2rem;}.contact-left p{opacity:0.85;font-size:0.95rem;line-height:1.7;margin-bottom:1rem;}.packet-list{list-style:none;margin-top:1.5rem;}.packet-list li{display:flex;align-items:center;gap:0.6rem;padding:0.4rem 0;font-size:0.9rem;opacity:0.88;}.packet-list li::before{content:'\2192';color:var(--orange);font-weight:700;}.contact-form-card{background:var(--white);border-radius:10px;padding:2rem;}.contact-form-card h3{font-family:'Playfair Display',serif;font-size:1.3rem;color:var(--navy);margin-bottom:0.3rem;}.contact-form-card p{font-size:0.8rem;color:var(--gray);margin-bottom:1.2rem;}.faq-section{background:var(--gray-lt);}.faq-list{max-width:800px;}.faq-item{border-bottom:1px solid #D1C9BC;padding:1.4rem 0;}.faq-item:first-child{border-top:1px solid #D1C9BC;}.faq-q{display:flex;justify-content:space-between;align-items:center;cursor:pointer;font-weight:600;color:var(--navy);font-size:1.05rem;gap:1rem;user-select:none;}.faq-q .icon{width:28px;height:28px;background:var(--orange);border-radius:50%;color:var(--white);font-size:1.1rem;display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:transform 0.25s;}.faq-item.open .faq-q .icon{transform:rotate(45deg);}.faq-a{max-height:0;overflow:hidden;transition:max-height 0.3s ease,padding 0.3s;}.faq-item.open .faq-a{max-height:400px;padding-top:0.8rem;}.faq-a p{font-size:0.92rem;color:#4B5563;line-height:1.7;}footer{background:#05131F;color:rgba(255,255,255,0.65);padding:2.5rem 2rem;}.footer-inner{max-width:1100px;margin:0 auto;display:flex;justify-content:space-between;align-items:flex-start;gap:2rem;flex-wrap:wrap;}.footer-brand .name{font-family:'Playfair Display',serif;font-size:1.05rem;color:var(--white);font-weight:700;}.footer-brand .title{font-size:0.75rem;margin-top:0.2rem;}.footer-brand .addr{font-size:0.8rem;margin-top:0.6rem;line-height:1.6;}.footer-brand .phone{color:#FFB060;font-size:0.95rem;font-weight:600;margin-top:0.4rem;display:block;}.footer-links{display:flex;gap:1.5rem;flex-wrap:wrap;}.footer-links a{color:rgba(255,255,255,0.55);font-size:0.82rem;transition:color 0.2s;}.footer-links a:hover{color:var(--teal-lt);}.footer-disclaimer{max-width:1100px;margin:1.5rem auto 0;font-size:0.72rem;opacity:0.55;line-height:1.6;border-top:1px solid rgba(255,255,255,0.08);padding-top:1.2rem;}.float-cta{position:fixed;bottom:1.5rem;right:1.5rem;z-index:200;display:none;}.float-cta a{display:flex;align-items:center;gap:0.5rem;background:var(--orange);color:var(--white);padding:0.8rem 1.4rem;border-radius:50px;font-weight:700;font-size:0.88rem;box-shadow:0 4px 20px rgba(200,146,42,0.5);transition:background 0.2s,transform 0.15s;}.float-cta a:hover{background:var(--orange-hover);color:var(--white);transform:translateY(-2px);}.hp-field{position:absolute !important;left:-9999px !important;top:-9999px !important;width:1px !important;height:1px !important;overflow:hidden !important;opacity:0 !important;pointer-events:none !important;}.form-group.error input,.form-group.error select,.form-group.error textarea{border-color:#C62828;}.field-error{color:#C62828;font-size:0.78rem;margin-top:0.25rem;display:block;}.form-submit.loading{opacity:0.7;pointer-events:none;}@media (max-width:900px){.hero-inner{grid-template-columns:1fr;}.bio-grid{grid-template-columns:1fr;}.bio-photo-frame{aspect-ratio:16/7;}.results-grid{grid-template-columns:1fr 1fr;}.steps-grid{grid-template-columns:1fr;}.exposure-grid{grid-template-columns:1fr;}.contact-grid{grid-template-columns:1fr;}.veterans-callout{flex-direction:column;}.float-cta{display:block;}}@media (max-width:600px){nav{padding:0.7rem 1rem;}.results-grid{grid-template-columns:1fr;}.form-row{grid-template-columns:1fr;}.hero-stats{gap:1.5rem;}.footer-inner{flex-direction:column;}}@media (max-width:480px){.topbar{flex-direction:column;gap:0.3rem;padding:0.55rem 1rem;text-align:center;}.topbar span{font-size:0.78rem;}nav{flex-wrap:wrap;gap:0.75rem;}.nav-cta{gap:0.6rem;flex-wrap:wrap;justify-content:flex-end;}.nav-cta .btn-primary{padding:0.6rem 1rem !important;font-size:0.82rem !important;}.hero{padding:3rem 1.25rem 2.5rem;}.hero-phone-cta{padding:1rem 1.5rem;font-size:1rem;width:100%;justify-content:center;}.veterans-callout{padding:1.5rem 1.25rem;}section{padding:3.5rem 1.25rem;}}html{scroll-padding-top:80px;}a:focus-visible,button:focus-visible,.btn-primary:focus-visible,.btn-secondary:focus-visible,.form-submit:focus-visible,.hero-phone-cta:focus-visible,.faq-q:focus-visible{outline:3px solid var(--gold-lt);outline-offset:3px;border-radius:4px;}.form-group input:focus-visible,.form-group select:focus-visible,.form-group textarea:focus-visible{outline:none;}.footer-links a:visited{color:rgba(255,255,255,0.55);}@media (prefers-reduced-motion:reduce){*{animation-duration:0.01ms !important;animation-iteration-count:1 !important;transition-duration:0.01ms !important;scroll-behavior:auto !important;}}img{max-width:100%;height:auto;display:block;}